10 Must-Know Tips When Comparing Fayetteville North Carolina Car Insurance

Having to pay for overpriced car insurance can drain your checking account and force you to prioritize other expenses. Doing a price comparison is a smart way to tighten up your finances. Numerous insurance companies battle for your insurance dollar, and it can be difficult to compare rates to find the absolute best rates possible.

Low Cost Fayetteville Car Insurance

Cutting your Fayetteville car insurance rates can be quick and easy. All that’s required is to spend a few minutes comparing price quotes online with multiple companies. This can be done in a couple of different ways.

One of the best ways to get quotes is to use a rate comparison form (click to open form in new window). This type of form prevents you from having to do repetitive form submissions for each company you want a rate for. One quote request gets you coverage quotes direct from many companies.

A more difficult way to compare rate quotes requires you to visit each company’s website and fill out their own quote form. For examples sake, let’s assume you want to compare rates from Auto-Owners, Allstate and Liberty Mutual. To get rate quotes you would need to visit each site to enter your coverage information, which is why most consumers use the first method.

To view a list of companies in Fayetteville, click here.

It’s your choice how you get your quotes, but double check that you are using identical coverage limits and deductibles with each company. If each company quotes mixed coverages you will not be able to truly determine the lowest rate in Fayetteville.

How much can you save with discounts?

Car insurance companies don’t necessarily list all available discounts in a way that’s easy to find, so here is a list some of the more common and also the lesser-known car insurance savings. If you aren’t receiving every discount you qualify for, you are throwing money away.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-114.jpg" alt="North Carolina car insurance“/>

Sign Early and Save – Some insurance companies reward drivers for switching policies prior to your current policy expiration. It can save you around 10%.
E-sign – A few companies may give you up to $50 for buying your policy digitally online.
Safety Course Discount – Taking a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
Service Members Pay Less – Being deployed with a military unit can result in better rates.
More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same car insurance policy can get a discount on all vehicles.

It’s important to note that some of the credits will not apply to all coverage premiums. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way.

How much car insurance do I need?

When buying proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions might point out whether or not you will benefit from professional help.

Are rental cars covered under my policy?
Do I need PIP (personal injury protection) coverage in North Carolina?
Why does it cost so much to insure a teen driver in Fayetteville?
How can I get high-risk coverage after a DUI?
What are the financial responsibility laws in North Carolina?
Can I pay claims out-of-pocket if I buy high deductibles?
Does having multiple vehicles earn me a discount?
What if I total my vehicle and owe more than it’s worth?
Is my cargo covered for damage or theft?
Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Rate influencing factors

It’s important that you understand the factors that help determine car insurance rates. Knowing what influences your rates helps enable you to make changes that could result in lower car insurance prices.

The following are some of the factors that factor into premiums.

Older drivers pay less – Older insureds are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Teen drivers tend to be less responsible when behind the wheel and because of this, their car insurance rates are much higher.
Optional equipment can affect rates – Owning a car with a theft deterrent system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
Protect your assets with liability insurance – Liability insurance will protect you if a jury decides you are liable for damages caused by your negligence. Liability provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
Men are more aggressive – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Women and men cause accidents in similar numbers, but the men have costlier accidents. Men also statistically receive more costly citations such as DWI and reckless driving. Youthful male drivers are several times more likely to be in an accident and thus pay the highest rates.
Better credit means lower rates – Your credit history is a huge factor in determining your rates. If your credit is not that good, you could pay less to insure your by improving your credit score. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores.
Do you know your deductibles? – Deductibles for physical damage represent how much money you are required to spend out-of-pocket in the event of a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered are colliding with a building, vandalism, and windstorm damage. The more money the insured has to pay upfront, the less your company will charge you for insurance.

Smart shoppers get results

Cost effective car insurance can be sourced from both online companies as well as from independent agents in Fayetteville, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who don’t offer online quoting and most of the time these regional insurance providers sell through independent agents.

You just read quite a bit of information on how to get a better price on car insurance. The key thing to remember is the more companies you get rates for, the better your comparison will be. Consumers may even find the lowest priced car insurance comes from the least-expected company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

As you restructure your insurance plan, you should never buy poor coverage just to save money. Too many times, consumers will sacrifice physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

Learn more today

More detailed North Carolina car insurance information can be found at the North Carolina Department of Insurance website. Visitors are able to get help finding coverage, read industry bulletins, find out which companies have the most complaints, and read enforcement actions against agents and companies.